When the damage is to someone else's property, who pays?
Liability cover pays for damage you, your child or your dog cause to others. But it often already sits inside your home policy — and you buy it again without knowing.
Three everyday moments that turn into a bill.
None of them is rare and none announces itself. See whether your policy answers each one — with its limits and exclusions.
The bathtub flooded the flat below
As a tenant or owner, the damage to your neighbour's flat is your obligation. Family liability cover takes it on.
Your dog bit a passer-by
Medical costs and a compensation claim land on the animal's owner. Check whether your policy covers pets — not all of them do.
Your child broke a shop window cycling
Parents are liable for their minor children's actions. Family liability cover exists for exactly these moments.
Before you buy it, see if you already own it.
Many home policies include liability as a bundled cover — bought together with the fire section and forgotten since day one. When you upload your policies, the analysis reads every cover separately and shows where the same protection appears twice.
And if it's missing, you see that too: the gap appears next to everything else, with the limits that apply today.
Liability Check
2 policies scanned
Home Policy · Section D
Family liability included
Possible duplicate
Standalone liability policy overlaps Section D
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